Porovnání bankovních produktů pro SME

This bachelor’s thesis compares the banking services offered to small and medium-sized enterprises (SMEs) by the five largest banks operating in the Czech market based on total assets, specifically Česká spořitelna a.s., Československá obchodní banka a.s. (ČSOB), Komerční banka a.s. (KB), Raiffeisenbank a.s., and UniCredit Bank a.s. The aim is to determine whether the terms of bank financing for this segment differ sufficiently among banks for the choice of provider to have a measurable impact on financing costs, and to formulate recommendations for both businesses and banks. The theoretical section defines the small and medium-sized enterprise segment and describes available banking products. The analytical section employs comparative analysis and the case study method using three fictitious enterprises differing in creditworthiness and the nature of their financial needs. The results show that differences between banks are most pronounced for overdraft credit, where the spread of advertised rates reaches up to four percentage points, while for investment loans the differences are minimal. A client’s creditworthiness determines not only the interest rate but also which banks are available to the company. The contribution of this study lies in a concrete comparison of financing terms for various types of SMEs and recommendations for both companies and banks.